open enrollment Archives - Steinlage Insurance Agency

Here’s a dirty little secret about recent attempts to fix ObamaCare. The “reforms,” approved by Senate and House leaders this summer and set to advance in the next Congress, adopt many of the Medicare payment reforms already in the Affordable Care Act. Both favor the consolidation of previously independent doctors into salaried roles inside larger institutions, usually tied to a central hospital, in effect ending independent medical practices. Continue at: http://www.wsj.com/articles/scott-gottlieb-obamacares-threat-to-private-practice-1417990367

Starting in 2014, the Health Care Reform will roll out new plans with a simpler theme and easier to understand benefits. Each offering will follow the Bronze, Silver, and Gold theme of the Olympics with one additional metal being the highest level, Platinum. Here is a breakdown: Bronze- Lowest monthly premium, on average should cover about 60% of a person’s total health costs. Silver – Still a low premium, should cover about 70% of a person’s total health costs. Gold – Higher premium, should cover about 80% of a person’s total health costs. Platinum – Highest premium, should cover about 90% of a person’s total health costs. While the metal designation is designed to identify different plans, it is important to note that this is just an outline. Generally, bronze plans should have the lowest premium and platinum the highest, but prices and deductible amounts will vary widely. Bronze plans…